Audiocanada,
You're getting some great information here, all of it good.....but all of it (including mine) is subjective based on our experiences. I'd spend more on the DAC, but still get a really nice streamer. I'd go 60/70% DAC and 30/40% streamer. I personally prefer separate DAC and streamer, that way you can always upgrade one component instead of having to upgrade a more expensive all-in-one system.
That split would still get you a great streamer (better if you're okay with a used streamer), and a great DAC. Personally I'd look at once of the great Aurender/Lumin/Innuous streamers, example you can get an Aurender N20 used for about $7,000 and that would leave $8,000 DAC
Or an Aurender N200 for about $4,000 used and that would leave $11,000 for a great DAC.
I mention Aurender, because the N20 and N200 are the only high end streamers that I have had in my system....along with an N10. I just have never had a Lumin or Innuous in my system, but by all reports they are great units as well.
As others already have mentioned, pay attention to connections and their preferences, and if possible try to audition a unit, and whether you want a streamer/server for storing files locally or just a streamer.